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Acquiring a Term Insurance Plan for a Non-Working Spouse: Is It Possible?

Author: Team Finpage
Wednesday, August 09, 2023

Well, let's have a chuckle and define a non-working wife as a woman who doesn't bring home the bacon through official employment or business ventures. Whether or not, she's a domestic goddess handling all the cooking, cleaning, and family wrangling is up for debate.

Ever thought if you can get an insurance plan for your beloved wife who is always running around the house the entire day without saying uff!! so that her family’s daily requirements are fulfilled.  

Absolutely Yes! You can definitely get a term insurance plan for your non-working wife as per IRDA regulations. It's actually a smart move to have life insurance for every member of the family, whether they're bringing in an income or not because it can help provide financial security and support in case of an unexpected event. Just keep in mind that the sum assured for a non-working wife may be lower than for earners, and the premium rates could vary depending on age, health conditions, and lifestyle habits. In fact, many insurance companies offer special plans designed specifically for non-earning wives. These plans can provide financial protection to the family in case of an unfortunate event. Some insurance plans even offer additional benefits such as maternity coverage, critical illness cover, and accidental death benefit.

Hey there! Just wanted to share some info on term insurance policies available for non-working wives. There are a few options to consider, such as the individual term insurance policy, joint life term insurance policy, rider benefit policy, and group term insurance policy. So, depending on your specific needs, you can choose the one that's right for you. Hope that helps!

So, don't forget to give your insurance company a call and get all the details before you decide on anything. Take some time to compare policies from different companies so that you can find the one that fits your needs and budget the best.

Team Finpage

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